What are the current interest rates at Brattleboro S&L?

Current rates for Brattleboro S&L include: Savings: 0.10%, MMA: 0.65%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Brattleboro S&L

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Brattleboro S&L Rates & Review October 2026

Q: How many branches does Brattleboro S&L operate?

Brattleboro S&L currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Brattleboro S&L does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Brattleboro S&L provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

Brattleboro S&L's top rates as of October 7, 2026 are 0.10% APY on savings, 0.65% APY on money market accounts, 3.25% APY on checking, and 6.25% on its 10 year Loan mortgage, according to rates verified by MonitorBankRates. Other Brattleboro S&L mortgage rates include Mortgage - 15 year Loan at 6.50%, 15 Year Mortgage at 7.125%, and 15 Year Mortgage at 7.375%. MonitorBankRates evaluates the financial stability of Brattleboro S&L with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.44%. Rates last updated and verified on 10/07/2026.

Brattleboro S&L money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Brattleboro S&L? Share your experience about Brattleboro S&L by leaving a review below, or read customer reviews before you decide to use Brattleboro S&L.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.44%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Brattleboro S&L

221 Main St
Brattleboro, VT 05301

https://www.brattbank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Brattleboro S&L Savings Rates

Product	Rate	APY
Statement Savings	0.10%	0.10%
Min Deposit $50 Min Balance $250 Details Balance: $250.00 & Above Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Holiday Savings Account	0.05%	0.05%
Min Deposit $5 Min Balance $5 Details Balance: $5.00 & Above Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%

Brattleboro S&L Money Market Rates

Product	Rate	APY
Money Market Account	0.65%	0.65%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 & Above Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Money Market Account	0.50%	0.50%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Money Market Account	0.40%	0.40%
Min Deposit $1,000 Min Balance $5,000 Details Balance: $5,000.00 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Money Market Account	0.20%	0.20%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $4,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%

Brattleboro S&L Checking Rates

Product	Rate	APY
Local Rewards Checking	3.25%	3.25%
Min Deposit $500 Min Balance $0 Details Qualifications Required: Receive eStatements; Have at least 1 direct deposit or ACH debit transaction post and clear per Qualification Cycle , AND; Have at least 20 debit card transactions (non ATM transactions) post and clear, each Qualification Cycle; 3.25% Annual Percentage Yield (APY) paid on balances between $0.00 and $24,999.99, for balances over $25,000 your APY may range between 3.25%-0.50% each cycle the minimum qualifications are met. The Base Rate & APY is 0.05% if you do not qualify. It is paid on the entire balance in your account for that cycle. We may change the interest rate and APY at any time after the account is opened. Available for personal accounts only. No monthly service charge. If you do not meet the qualifications per cycle, your account will earn the Base Rate; it will not receive ATM Refunds for that time period. Fees may reduce earnings. A debit card is included with your account. If you have met your qualifications for the specified cycle, we will reimburse you for domestic non-BS&L ATM fees that other banks charge you for using their ATM. Reimbursements will be credited to your account on the last day of your statement cycle. NOTE: ATM withdrawals do not count as qualifying debit card transaction for purpose of earning Rewards with this Account. You can make up to 4 ATM withdrawals at other Bank ATMs each statement cycle. Then we charge you $2.00 per transaction. Withdrawals made at Allpoint ATMs are Free. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Relationship Checking	3.20%	3.25%
Min Deposit $500 Min Balance $0 Details Balance: $0 - $24,999.99 Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 0.05% → 3.25% ▲ 3.20 pts · high 3.25% / low 0.05% Oct 7, 20263.25%▲ from 0.05% Sep 19, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Local Rewards Checking	0.05%	0.05%
Min Deposit $500 Details The Base Rate & APY is 0.05% if you do not qualify. It is paid on the entire balance in your account for that cycle. We may change the interest rate and APY at any time after the account is opened. Available for personal accounts only. No monthly service charge. If you do not meet the qualifications per cycle, your account will earn the Base Rate; it will not receive ATM Refunds for that time period. Fees may reduce earnings. A debit card is included with your account. If you have met your qualifications for the specified cycle, we will reimburse you for domestic non-BS&L ATM fees that other banks charge you for using their ATM. Reimbursements will be credited to your account on the last day of your statement cycle. NOTE: ATM withdrawals do not count as qualifying debit card transaction for purpose of earning Rewards with this Account. You can make up to 4 ATM withdrawals at other Bank ATMs each statement cycle. Then we charge you $2.00 per transaction. Withdrawals made at Allpoint ATMs are Free. Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 3.25% → 0.05% ▼ 3.20 pts · high 3.25% / low 0.05% Oct 7, 20260.05%▼ from 3.25% Sep 19, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Relationship Checking	0.05%	0.05%
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%

Brattleboro S&L Mortgage Rates

Product	Rate	Points	APR	Term
Mortgage - 10 year Loan	6.25%	0.00	6.428%	10 years
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.43% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Mortgage - 15 year Loan	6.50%	0.00	6.627%	15 years
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 6.76% → 6.63% ▼ 0.13 pts · high 6.76% / low 6.63% Oct 7, 20266.63%▼ from 6.76% Sep 15, 20266.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
15 Year Mortgage	7.125%	2.000	7.589%	15 years
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 24, 2026 · 7.21% → 7.59% ▲ 0.38 pts · high 7.59% / low 7.21% Oct 7, 20267.59%▲ from 7.45% Sep 27, 20267.45%▲ from 7.21% Sep 24, 20267.21%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
15 Year Mortgage	7.375%	1.000	7.674%	15 years
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 24, 2026 · 7.17% → 7.67% ▲ 0.51 pts · high 7.67% / low 7.17% Oct 7, 20267.67%▲ from 7.55% Sep 27, 20267.55%▲ from 7.17% Sep 24, 20267.17%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
30 Year Mortgage	7.75%	2.000	8.049%	30 years
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 24, 2026 · 7.54% → 8.05% ▲ 0.51 pts · high 8.05% / low 7.54% Oct 7, 20268.05%▲ from 7.92% Sep 27, 20267.92%▲ from 7.54% Sep 24, 20267.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
30 Year Mortgage	7.875%	1.000	8.067%	30 years
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 24, 2026 · 7.69% → 8.07% ▲ 0.38 pts · high 8.07% / low 7.69% Oct 7, 20268.07%▲ from 7.94% Sep 27, 20267.94%▲ from 7.69% Sep 24, 20267.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%

Brattleboro S&L Other Rates

Product	Rate	Points	APY/APR	Term
1-4 Family, Non-Owner Occupied 1st or 2nd lien Loan	5.25%	0.00	5.588%	5 years
Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 5.59% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
1-4 Family, Non-Owner Occupied 1st or 2nd lien Loan	5.75%	0.00	5.93%	10 years
Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 5.93% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
1-4 Family, Non-Owner Occupied 1st or 2nd lien Loan	6.25%	0.00	6.379%	15 years
Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 6.38% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
1-4 Family, Non-Owner Occupied 1st or 2nd lien Loan	6.75%	0.00	6.855%	20 years
Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 6.86% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
FIXED RATE SALEABLE	6.875%	2.000	7.335%	15 years
Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.34% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
FIXED RATE SALEABLE	7.125%	0.00	7.257%	15 years
Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.26% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
FIXED RATE SALEABLE	7.125%	2.000	7.498%	20 years
Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
FIXED RATE SALEABLE	7.375%	0.00	7.482%	20 years
Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.48% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
FIXED RATE SALEABLE	7.50%	2.000	7.794%	30 years
Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.79% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
FIXED RATE SALEABLE	7.625%	0.00	7.709%	30 years
Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.71% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Primary Residence or Second-Home 1st or 2nd lien Loan	5.25%	0.00	5.588%	5 years
Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 5.59% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Primary Residence or Second-Home 1st or 2nd lien Loan	5.75%	0.00	5.93%	10 years
Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 5.93% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Primary Residence or Second-Home 1st or 2nd lien Loan	6.25%	0.00	6.379%	15 years
Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 6.38% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Primary Residence or Second-Home 1st or 2nd lien Loan	6.75%	0.00	6.855%	20 years
Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 6.86% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Second Homes (Single Family Residences & Condos) - 15 year Loan	7.25%	0.000	7.383%	15 years
Last Updated 10/07/2026 Rate History 1 change since Oct 1, 2026 · 7.26% → 7.38% ▲ 0.13 pts · high 7.38% / low 7.26% Oct 7, 20267.38%▲ from 7.26% Oct 1, 20267.26%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Second Homes (Single Family Residences & Condos) - 20 year Loan	7.50%	0.000	7.608%	20 years
Last Updated 10/07/2026 Rate History No change since Oct 1, 2026 · 7.61% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Second Homes (Single Family Residences & Condos) - 30 year Loan	7.75%	0.000	7.835%	30 years
Last Updated 10/07/2026 Rate History 1 change since Oct 1, 2026 · 7.71% → 7.84% ▲ 0.13 pts · high 7.84% / low 7.71% Oct 7, 20267.84%▲ from 7.71% Oct 1, 20267.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Servicing Retained; Non-Owner Occupied Single Family Residences - 15 Year Loan	7.50%	1.00	7.80%	15 years
Last Updated 10/07/2026 Rate History 2 changes since Sep 19, 2026 · 7.17% → 7.80% ▲ 0.63 pts · high 7.80% / low 7.17% Oct 7, 20267.80%▲ from 7.67% Sep 27, 20267.67%▲ from 7.17% Sep 19, 20267.17%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Servicing Retained; Non-Owner Occupied Single Family Residences - 20 Year Loan	7.75%	1.00	7.995%	20 years
Last Updated 10/07/2026 Rate History 2 changes since Sep 19, 2026 · 7.62% → 8.00% ▲ 0.38 pts · high 8.00% / low 7.62% Oct 7, 20268.00%▲ from 7.87% Sep 27, 20267.87%▲ from 7.62% Sep 19, 20267.62%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Servicing Retained; Non-Owner Occupied Single Family Residences - 30 Year Loan	7.99%	1.00	8.184%	30 years
Last Updated 10/07/2026 Rate History 2 changes since Sep 19, 2026 · 7.69% → 8.18% ▲ 0.50 pts · high 8.18% / low 7.69% Oct 7, 20268.18%▲ from 8.07% Sep 27, 20268.07%▲ from 7.69% Sep 19, 20267.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Capital Access Account	0.05%	-	0.05%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Capital Access Account	0.25%	-	0.25%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%
Capital Access Account	0.50%	-	0.50%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00+ Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.44%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Brattleboro S&L’s Texas Ratio rose from 0.20% in Q3 2023 to 5.44% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$296M	5.44%	5.0	A+
March 31, 2026	$296M	0.28%	5.0	A+
December 31, 2025	$286M	1.17%	5.0	A+
September 30, 2025	$286M	0.45%	5.0	A+
June 30, 2025	$279M	1.15%	5.0	A+
March 31, 2025	$290M	0.00%	5.0	A+
December 31, 2024	$288M	0.00%	5.0	A+
September 30, 2024	$283M	0.11%	5.0	A+
June 30, 2024	$285M	0.57%	5.0	A+
March 31, 2024	$281M	0.48%	5.0	A+
December 31, 2023	$285M	0.34%	5.0	A+
September 30, 2023	$283M	0.20%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Brattleboro S&L is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Brattleboro S&L rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Brattleboro S&L's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Brattleboro S&L

FDIC Certificate # 28837

Address 221 Main St, Brattleboro, VT 05301 · Windham

Website https://www.brattbank.com

Established 19120101

FDIC Insurance Date 19890809

Domestic Offices 5

Total Branches 5

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

5.44%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7630%

Return on Equity (ROE) 7.5900%

Non-Performing Loans (NPL) 0.55%

Total Assets $296,376,000

Total Deposits $262,301,000

Equity Capital $29,897,000

Net Income $1,117,000

Headquarters Brattleboro

Total Branches and Offices 5

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Brattleboro S&L earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Brattleboro S&L

How many branches does Brattleboro S&L operate?

Brattleboro S&L currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Brattleboro S&L does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Brattleboro S&L provides members with tools to manage their accounts and build a solid financial history.

Does Brattleboro S&L offer online and mobile banking?

Most modern institutions like Brattleboro S&L provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.brattbank.com.